Erudio/Drydens SLC Loan CCJ - Advice Please - Set a Side claim proceeding.

[owk]

Yes SLC had my old company HR letter in SAR and I’ve also got the emails from them saying it would be kept on file and processed when the baby was born. Erudio also has this as a copy. 

 

I rang SLC last week again to see why it didn’t ever happen. 

 

The failure on theor part to update my address - even though you can clearly see on my SAR that I called them led to me not ever receiving the N.o.a - hence the confusion with Erudio / Honours in 2014

[owk]

I need them SLC to confirm that, they emailed to say they would keep my paperwork  had on file  - for me to give birth in December and start maternity leave.  My husband posted/ scanned over the new signed deferral form on my behalf to go with the letter from my employer.  This will be hard to prove I guess but he 100% did it. In fact I remember asking him in the hospital - it is clear. 

[owk]

Evening,

 

Would there be any reason why on Erudio N.O.A my SLC account number is completely different?  I have two other SLC account numbers as for some reason they had a duplicate account for me.. 

 

Is this the new master reference - if so why still call it SLC Account number on the Notice of Assignment ?

 

There is a long Erudio customer reference number on other paperwork, so its not that? 

[owk]

I’m not sure if I can prove this but it was 100 % true. Do you have any advice for me? I had to wait my December payslip - and it was probably faxed over, or posted. There is no way I could have that record now. 

 

[owk]

I agree it would often be in the comms sections but SLC did/ not do not record all comms and phonecalls.  I have evidence of this. 

 

I have two or three email conversations not recorded on my SAR, and I know during April May 2014 I would have called them trying to find out what was going on and asking who Erudio were etc.. I thought  they were a Link or Thesis and were all just trying to grab what they could. 
 

In May 2014 I must have rang Student Loan Company and it was then they set up a new  DD for what I now know to be Honours Student Loans only and I have a 334.00 payment which I must have believed were the  Erudio arrears leading up to that time. I was probably not even earning the threshold but was pleased to be back on track and not have Erudio on my case. 

 

I seem to remember I thought the Erudio chaos was dying down and SLC were servicing borrowers as before. 

 

I have 36 letters in my Erudio SAR - and nothing from them between  March 2014 - 2016 no statements no letters of arrears just a N.O.A with a dodgy assignment number which is nothing like my Student Loans 2 numbers, and no it wasn't the very long Erudio Master Reference! (Yes SLC  even had a duplicate account for me.) 

 

I think the absence of these letters mean an awful lot of non- compliance during that period by Erudio, I had no idea of my balance or status. 

 

I also have a request to Defer on SLC SAR  2015 with only the Honours Loan on it - so much for shared loans being processed by the SLC. 

 

I will see how I get on next week, I appreciate the interest you have shown, after 12,13 decent years of either payment or deferral with a reasonable company I wasn't expecting the might of Erudio.. I will have to accept my fate I am afraid.. 

 

 

 

[owk]

Yes and emails with SLC in the July also discussing my deferral the following year. There is correspondence about faxing it over to them.

[owk]

It’s. Tuesday this week.

 

It’s a telephone hearing 

[owk]

Yes of course. I was  in touch with SLC yesterday  they have confirmed they have an open investigation running due to duplicate accounts and errors - they said the judge can call them! Not sure if he/she will do that... 

[owk]

can I please send you a private dm - just the one I need to check something - or can I please hide a post? 

[owk]

What is your pm mail address please? I will do it now. 

[owk]

Hi - it’s been 1 week  yesterday  since the court  hearing and I’ve still  had nothing in writing from the court.
I’ve rang the court - no answer - and I’ve had an email saying instructions would be sent out to me. 
I’m actually feeling pretty stressed out about it. 
It was set aside - but I need to provide a signed statement within 14 days. 

Drydens said something about costs at the end of the hearing - but I’m not exactly sure what was decided. 

 

[owk]

Hi .. It's been set aside. 

 

It was so frightening.. I was a nervous wreck. Thank you for your paragraph, I didn't have much time to speak in the hearing. 

 

All parties said they did not have my updated witness statement ( with results of my SLC SAR and bank statements - even though I hand delivered it to the court yesterday. The county  court has not been answering the) phones for two weeks so I had to go down there.

 

I spoke to a lovely man who said he would ensure it got into the right hands - but it didn't. 

 

I also emailed updated Witness Statement it to Drydens this am, and some of my evidence.

 

My gut feeling was the woman from Drydens was not being truthful when she said she did not have it. 

 

I need to submit a defence to the court and have 14 days I believe to do so, the call just finished - will I hear from the court?

 

The Judge wants to see a few clearly spaced out paragraphs and a signed witness statement.

 

Drydens  said something about costs, the Judge ask if I understood.. which I didn't, how will I know what's what - will I receive paperwork from the court do you think? 

 

I need to calm down from it all today but I am going to chase SLC tomorrow for the results of their investigation, apparently there is a special team from Erudio that they are working together on with SLC and they are in contact. 

 

I want them to confirm exactly how much has been paid and who to- (link, thesis SLC?)  I would be happy if based on the evidence Student Loan Company accept that mistakes have been made on their part, and put me back in deferral minus any arrears. I will fight this cause as I believe I have been wronged by poor adminat SLC and the devil that is Erudio. 

 

I do not want to have to deal with Drydens again, the CCJ has always been my major issue, as I have recently been made a Director of my husbands business and he would have gone nuts. 

 

I would like to be of help to other posters, but I am too scared to add any information today, the woman from Drydens was so mean. Thank you for your help, you have been very sceptical of my situation but I knew I have been wronged, bullied by Erudio and treated so very poorly by SLC.   I will of course be donating. 

[owk]

Thanks Andy, I have a statement prepared - as I was assuming 14 days from hearing.. but is that posted... emailed... ?? 

 

I already sent updated witness statements in - with my evidence, which I’ve been told were given to the court usher - but all parties said they didn’t have them on the day. Do I change that?? Is there a certain format I need to follow? 
 

I’m going to chase SLC tomorrow who are investigating it with Erudio, I cannot imagine this will be concluded by next week. 

[owk]

Sorry if confusing
 

 - It was a tele hearing  on 30th March. 
I was told in the hearing it was set aside - but the judge wanted a witness statement signed a few paragraphs - as he wasn’t going to read through all of my evidence?? 

I expected to receive written confirmation a few days later - but nothing.. I’ve chased the court who have said I will be sent info out and to ring them if I don’t understand. 
I will redact and post statement drafted first thing -

[owk]

Hi, please see attached, still nothing from the court. I'm going to ring again this pm, but I'm working on Tuesday of next week to send over my witness statement. Possibly even Monday - as Tuesday is 14 days since the hearing. 

 

I have chased SLC investigation today- no timescales for when they will come back to me. 

 

I have said I will speak to Erudio, but my initial complaint is still with SLC. 

 

Thank you for looking into this for me. 

 

2020-11-16 Defendants WS.pdf

[owk]

Many thanks  I’ve still had nothing from the court... re exactly what they wanted from me. 
What is the usual protocol after I sent this in? 

[owk]

Good morning All, the 14 days ( since the hearing) are up tomorrow and I’ve still had no paperwork from the court? 
I’ve left a voicemail and emailed.

 
How do they need to receive my witness statement, I was thinking of hand delivering it.   

The Judge said signed?  

[owk]

Just got home to a letter from court saying set aside and I am to file a properly pleaded defence supported by a statement of truth dated and signed by me by 4pm 13.04.21. 
 

Hello, I’m really sorry - just want to get this right, which one am I using? 

[owk]

Thank you, that’s what I thought.. but I just wanted to double check. Do I resend the evidence? Or just the statement? Many thanks 

[owk]

I didn’t upload the evidence it was pages from SLC sat - direct debit payments from bank statement, electoral roll info, SAR evidence for Erudio, BIS gov letter saying the split loans admin should be dealt with by Erudio 

[owk]

Ok great thanks - will do. 

[owk]

I emailed  and hand delivered a signed copy of my statement to the court yesterday. I also emailed a copy of it to Erudio and Dryden. 
keep you posted! 

[owk]

Hi - 

 

Just a quick update, I hand delivered a signed witness statement and the court have confirmed they have received it. 

 

I have not heard from Drydens, Erudio or SLC yet. Keep you posted....

[owk]

Ok thanks - sorry this is all confusing, what should I expect to happen next? 

[owk]

Many thanks Andy, 

 

I also have an open Investigation running with SLC - but hear nothing unless I call them, it gets escalated, then goes round in a loop. This has been happening since Feb...

SLC did say they are communicating with a third party on behalf of Erudio - unsure what this all means. I get told completely different things everytime I call SLC. 

 

I had requested a new SAR from Erudio on 30/03, as I would like to see what they are doing about this in general, and if they are liaising with SLC

 

I've had an email from Erudio - but nothing else... should I continue to pursue this? Or just hang on..